First, track your spending and expenses for the next 30 days. You can begin by recording all your purchases on a weekly expense report worksheet that you fill out each day. Save your receipts from each purchase and then record a description of the purchase, the amount, its category, and how you made the purchase; whether by cash, check, or credit card.
By the time you finish reading this you'll have a practical plan to take the first steps to becoming debt free. Budget Worksheets lead the way! _ There a number of tools available to build free budget worksheets and choose the one that is appropriate for you. It could be a spreadsheet on the computer, a ledger book that you pick up at an office supplies store, or a piece of paper and a pencil. The important thing is that you take just six steps to life in a debt free world.